We are a comprehensive financial planning firm offering households that want and need our help with their retirement plans to achieve their goals.

We are a comprehensive financial planning firm offering households that want and need our help with their retirement plans to achieve their goals.

We transform fear and anxiety to clarity and confidence, so our clients can focus on the more meaningful areas of their lives.

We understand that emotions play a part in your financial decisions, but we are here to coach you to maintain discipline and focus during good times and bad.

We transform fear and anxiety to clarity and confidence, so our clients can focus on the more meaningful areas of their lives.

We understand that emotions play a part in your financial decisions, but we are here to coach you to maintain discipline and focus during good times and bad.

Teacher approach to financial planning

Teacher approach to financial planning

Expertise

Our team has over 30 years of experience serving our clients

Financial Guidance for Individuals and Families 01.

Pre-Rollover Individual Retirement Account Management 02.

Educators 03.

 Small Business Owners 04.

 Retirement Plans 05.

 Medicare 06.

Women Only 07.

Our Expertise

Our team has over 30 years of experience serving our clients

01. Financial Guidance for Individuals and Families

02. Pre-Rollover Individual Retirement Account Management 

03. Educators

04. Small Business Owners

05. Retirement Plans

06. Medicare

07. Women Only

Financial Guidance for Individuals and Families

We provide personalized financial planning and investment strategies tailored to individuals and families. Our mission is to help you achieve financial confidence and long-term success with expert guidance and customized solutions designed to meet your unique goals.

Pre-Rollover Individual Retirement Account Management

We can help manage individual participant 401(k), 403(b) and 457s accounts directly. No rollover. No break in service, while you are still working.

Let us help make sure your retirement accounts are working as hard as you are.

Educators

Our advisors have over 40 years of experience working in education ourselves.  We have previously worked as teachers; in administration; as a principal; and even a former superintendent.

We know how to:

  • Maximize your Teacher Retirement Pension (TRS)
  • Potentially buy back years from other states
  • Navigating the complexities of each county’s retirement plan (403b/401k)
  • Calculate Social Security with some counties paying into and some not paying into the system as well as consolidating old retirement plans after you have left a county school system.

Small Business Owners

Being the boss can be exhilarating. But there are also significant risks to going out on your own. Unfortunately, the failure rate of small businesses is high. The keys to success lie in proper budgeting, determining the right product for your market or audience, marketing that product, and then selling it at the right volume.

The Risks of Going Out on Your Own

  • Tax Planning
  • Risk Management
  • Retirement Planning
  • Investment Planning
  • Estate Planning

Retirement Plans

Find the right plan for your business

Individual 401(k) – retirement savings if you’re self-employed or a business owner with no employees other than a spouse.  The business owner can contribute to the individual 401(k) plan both as an employer and employee

SEP-IRA – Simplified Employee Pension plan is a flexible way for a tax-deferred retirement plan. It is an easy to administer retirement plan for anyone who is self-employed, employs others, or earns freelance income.

SIMPLE IRA – is a great starter plan that encourages employees to contribute.  A SIMPLE IRA plan allows employers and employees of small businesses to make tax-deferred contributions to the plan.

401(k) plan – is a retirement plan for businesses of all sizes to save for retirement.  This plan offers pre-tax and post-tax employee contributions.

Retirement Plan Benefits:

  • Potential Tax breaks
  • Increase Retirement Savings
  • Time for your money to grow
  • Attract and Retain top talent
  • Business Deduction for owners
  • Potential Match to boost employee’s retirement

Medicare

There’s more than one turn on the path to crafting the right Medicare plan for your retirement future.

Why Make These Decisions Alone?

From medical cost changes to understanding the small-but-mighty differences between the four parts, making Medicare work for you requires more than just signing up.

Here to Help You

We are committed to finding every Medicare benefit available to you. Our goal is to present you with the right Medicare plan options, so you can make the best choice, plus:

  • We will review your coverage annually to ensure your plan still meets your needs.
  • We present plans that fit your physician network and prescription drug requirements.
  • We will help you assess additional state and federal benefits available to you.
  • We process all necessary application paperwork for you

Women Only

BY 2030, WOMEN WILL CONTROL 67% OF THE STOCK MARKET WEALTH

From Heartbreak to Financial Health: A Guide for Single Women empowers widowed and divorced women to navigate financial independence with resilience and confidence, offering practical strategies for thriving beyond grief. This book provides a roadmap for financial empowerment, guiding suddenly-single women toward a future of security and prosperity.

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Women are Unique

  1. Women make most purchase decisions.
  2. Almost 50% of households with over $500,000 in assets are controlled by women.
  3. On average, women live 5 years longer than men.
  4. The average age of widowhood is 59.
  5. 80% of women die alone.
  6. Divorce rate for people over 50 is soaring.
  7. Women often care for aging parents.